Product Description


The Tenant Protector I coverage form is excellent rental insurance coverage for tenants. It includes:
  • Personal Property Coverage $25,000.00
  • Loss of Use $2,000.00
  • Damage of Property of Others $1,000.00
  • Medical Pay to Others $1,000.00
  • Property Off Premises (5%) $1,250.00
  • ID Theft Coverage $15,000.00
  • Liability $100,000.00
  • Annual Premium $156.00


If you suffer a covered loss with Tenant Protector I coverage, claim payment is determined by the Actual Cash Value of the damaged property. Actual Cash Value is determined by the replacement cost of the damaged or destroyed property at the time of loss minus its depreciation.

For new or newer property, Family Mutual Insurance Company recommends all policyholders add a Replacement Cost endorsement to their Tenant Protector I policy. With this endorsement in effect, claim payment is determined by replacement cost at the time of loss without reduction for depreciation. Replacement Cost coverage for Tenant Protector I is available at additional cost of $37.50 annually and can be added above.


Refrigerated Property Coverage protects your refrigerated food if power failure beyond your control or mechanical failure causes spoilage. This is perfect coverage for hunters or policyholders who maintain a large amount of frozen or refrigerated meat in their refrigerator or freezer. Refrigerated Products Endorsement is available at a cost of $1.30 per hundred in increments of $200.00, $300.00, $500.00, $750.00, $1,000.00, and $2,000.00 and can be added above.